I meet people all of the time who do not plan their finances. They use lame excuses to explain why they never plan their spending.

Some of the greatest LAME excuses are:

"I'm just too busy."

"The kids just have so much going on."

"I put together a budget before and it didn't work."

Let's apply this same logic to other aspects of life.

Surgery – Suppose that you needed surgery. If the surgeon said, "I'm not sure what I am going to do. I am just going to start cutting and I hope that it all works out OK. And, oh yeah, if I remember, I will apply anesthesia first." Would you allow this surgeon to operate on you without a plan? NO!

House – Would you hire a homebuilder who said, "I don't like plans. They are too constraining. I do my best when I just freelance it." Would you allow this builder to construct your home? NO!

Football Game - Would you want to play for a coach who said, "Just run in there, and we'll make up a play as we go along?" Teams who do not have a plan FAIL!

We will all say that coaches, surgeons, and homebuilders should have a plan, yet we will not plan our finances!

If you wish to remain broke, keep up this same behavior! The issue is this – I KNOW that NO ONE truly wants to be broke! Everyone has hopes and dreams. Everyone has been put on earth to accomplish something! Everyone aspires to do their best with what they have!

I am on a CRUSADE to help you accomplish far more than you ever thought possible! PLAN YOUR FINANCES! Put together a plan for your money. Spend your money on paper BEFORE the month begins and BEFORE you ever get the money. Go to the TOOLS section of this page and pull up one of the budget forms.

Do it today for the rest of the month, and then put together a plan for next month's money. When you spend your money on paper BEFORE you ever receive the money, you will start to win in a way you only dreamed of!